In order for a Sberbank client to quickly monitor the processing status of a payment order, a status system is used.

Check the status of the payment order

• open the payments and transfers tab;
• in the window with the drop-down menu, find the orange “All payments” button and follow the link;
• in the list that opens in the form of a table, the rightmost column is called “Statuses”.

In the table, the status of work with a specific order is reflected in a brief version. If you hover over the status and follow the link, a drop-down tab will open with more complete information about the status of work with the software, which reflects:

• processing result;
• the nature of processing (automatic or with the participation of a manager);
• reason for document rejection.

Here you can see detailed information and find out what errors you can correct to achieve the expected result.

Statuses are divided

• to the initial ones;
• upon signing;
• after processing;
• final.

At each stage, this column contains the information necessary for the further movement of the payment order; the client will find out what needs to be done or will receive a reason to contact the manager and find out the details of further interaction.

Sberbank ABS is a specially created bank system that allows you to solve problems automatically and quickly. Currently it is used in all branches of the bank. The ABS combines a huge amount of software and hardware that allows the entire banking organization to perform the work. Thanks to this innovative innovation, the speed of information processing was increased several million times.

Using the ABS, Sberbank created an information environment, thanks to which management and financial tasks began to be carried out online. Now any operations take place only under the control of the bank client. It is he who makes the final decision on making a financial payment. It is necessary to consider the status “accepted by Sberbank’s ABS”, what it means and how it works.

What it is

The ABS system consists of technical equipment (computers) and software (bank servers, special programs, operating system, etc.). The ABS system provides several statuses. One of them is the ABS adopted by Sberbank. This status means that the document processing process is at one of the last stages.

ABS automates the work of the bank

Structure of the automated banking system

This convenient and multifunctional Sberbank system can be divided into several parts:

• system module that manages the bank;
• system module called “Operational Day”;
• a system module that deals with the implementation of online banking services.

The banking system does not stand still, but is constantly evolving (thanks to the creation of more and more advanced software equipment and applications). Therefore, the issue of structuring the system as a whole is conditional and not entirely clearly defined.

Payment orders and the procedure for their processing

During the full procedure for accepting a bank application (creation, signing, sending, reconciliation and execution), its status is constantly changing. This procedure can be divided into the following points:

• delivery to the bank (status “Delivered”);
• signature revision;
• checking all data (details);
• after the final completion of the previous stage, the “Unloaded” status appears;
• acceptance of the order;
• action processing process. If a positive result is achieved (availability of funds in the bank client’s account), then the order is sent to the execution category (financial funds are debited from the account);
• After completing the withdrawal procedure, you receive a letter with the status “Completed”.

How a payment order is created

These rules are a fundamental factor for the success of banking operations of various kinds. Therefore, now we will consider and describe them in more detail.

So, creating a payment through this bank system occurs in this way:

• a new payment order appears in the database, which contains all the client’s details. At this point, a message with an unspecified error may appear (this means that some fields are not filled out correctly);
• the created order is successfully transferred from the special accounting application (status “Imported”);
• generation of orders in the online banking application;
• selecting the required document;
• In the main menu of the program, select the “Signature” status;
• Before final creation of the payment order, carefully review all data.

ABS statuses

ABS accepted: status value

Many people are interested in what this status means. The wording is an important step when creating a bank payment order. This wording indicates that the order processing process is at one of the last stages. When this status appears, we can safely say that electronic payment order passed ABS check. In short, this status says that the banking system has recognized all the data that the client entered to generate a document or payment order. In addition to the usual status, there is another status called “Accepted by ABS Sberbank Business Online”. What it is?

This formulation is a message, a letter that is sent to the client and indicates a certain stage in the formation of a banking document. Structurally, the name “Accepted ABS Sberbank Business Online” resembles a special scheme for building modules (that is, it is built from the core and various modifications). It can only be used in this Sberbank system.

Denied statuses

When the client completely forms a payment order and sends it for verification, he may receive the wording “Failure of Sberbank ABS”. It shows the client that the client’s details have been entered incorrectly, there are not enough financial resources, or the fields for completing the order have been filled out incorrectly. In this case, you must carefully follow the instructions to correct this situation.

To begin, select the order that displays this status, then in the top menu we find a link with information about Sberbank. Click on this icon. We look at what reasons influenced the appearance of the status and correct them. In the denied statuses there is another one, called “Sberbank Online ABS Refused”. What does it mean? It can arise in the same way as a regular status (that is, if the fields are filled in incorrectly, there is insufficient money in the account, or the details are provided incorrectly).

Conclusion

This Sberbank system is a universal and key assistant to the bank, which allows it to control a huge amount of information, client requests and the process of creating financial papers and payments for clients at any convenient time. This system is a promising and breakthrough technology, which now and in the future will be able to help both bank employees and clients.

Instructions and answers to basic questions about the operation of the Sberbank business online service.

What is Sberbank business online?

This is Internet banking for small businesses - individual entrepreneurs and legal entities.

What can you do using Sberbank business online?

• Make payments;
• Pay taxes;
• Monitor the status of accounts and their balances;
• Create payment order templates;
• Create and maintain directories of counterparties;
• Work with 1C documents.

It works 24/7 and only requires internet access.

How to connect Sberbank business online?

An entrepreneur or representative of a legal entity must contact the nearest Sberbank branch and activate the appropriate service. You will receive an individual login from a bank employee to log into the system, and the password will be sent to you via SMS. The one-time payment for connecting to the service is 960 rubles, the monthly subscription fee is 490 rubles.

How to log into Sberbank business online?

Login is carried out either by SMS or using a special key - token.

1. To log in using SMS passwords, you need to open the page at https://sbi.sberbank.ru:9443/ic or go through the Sberbank website. In the window that appears, enter your username and password. The login is indicated in the information sheet you received when connecting to the service. The initial password is sent by SMS to the phone number specified in the application for connection to the service. After entering the initial password, you must set a permanent password that will be used to log in to the system in the future.
2. To log into Sberbank Business Online via an electronic key (token), insert the token into the USB port of your computer, open “My Computer”, then “Removable Disk”. Then you need to run the start.exe file, then select account No. PIN, enter the access code that can be found in the PIN envelope with the corresponding number, and click the “Login” button.

What to do if the token is not detected?

If the token is not detected as a smart card (USB Smart Cardreader), then you need to find the token in the list of devices and update its driver. To update the driver, you need to right-click on the device, select “Properties”, go to the “Driver” tab and click “Update”. When updating, you can install the driver automatically from the Internet.

Where can I get a token?

The token can be obtained from Sberbank. Cost – 990 rubles for 1 copy of a standard electronic key for new clients. A touch key costs 1990, and a touch key with a screen costs 3990 rubles.

How to create an electronic signature in Sberbank business online?

1. Select from the menu “Services” -> “Exchange of crypto information” -> “Requests for a new certificate”.
2. Select a crypto profile, fill in the “Position” and “email address” fields, click “Generate a certificate request.” Then click “Submit”.
3. After the certificate request is sent to the bank, you must print 3 copies of the electronic signature certificate and 3 copies of the encryption key certificate. To do this, select the certificate and click the right mouse button (“Preview” and “Print”)
4. After this, you must put your signature, the manager’s signature, and a seal on all copies of the form and provide these certified certificate forms to the bank division that serves you.
5. When the bank registers the certificates, you will receive an SMS notification.

How to change the password for logging into Sberbank Business Online?

You can change your password yourself at any time. To do this, in the Sberbank Business Online system on the main page in the upper right corner there is a “Change password” button. The password must contain letters and numbers; the recommended password length is at least 8 characters.

The password for logging into the system is valid for 90 days (except for the password for the first login sent by SMS). Every 90 days, if the user has not changed the password manually, the system reminds you to change the password. When changing the password, in the “Old password” field, you must enter the password with which you last logged into the system. In the “New Password” and “Confirm Password” fields, you must enter a new (user-created) password that will be used in the future.

How to change your phone number to receive disposableSMS-passwords?

To change the phone number for receiving SMS passwords, you must fill out an application marked “corrective” and submit it to the bank branch where the account is maintained.

What should I do if I receive the error “Invalid login or password”?

It is necessary to check the correctness of the login (compare it with the information sheet) and password. The password can use Latin letters of different case and numbers. If you have forgotten your password, you should fill out an application for a new password in connection with its loss at the bank branch where the account is maintained.

What should I do if, when logging into the Sberbank Business Online system, the message “Account is blocked” appears?

To unlock your account or receive a new password, you must fill out the appropriate application for a new password at the bank branch where the account is maintained.

If the organization has changed directors/accountants or the account holder has changed their last name, can the old account be used?

This is not possible, in these cases you must register a new account. To register a new account that was not initially specified in the agreement, you must fill out an application marked “corrective” and submit it to the bank branch at the place where the account is maintained. You will also need to create a new certificate request.

How can I view cash flow in Sberbank Business Online?

You need to go to the “Services” section → “Ruble transactions” → “Request for a statement of ruble accounts.” In the upper left corner, click on the “Create a new document” button. In the window that appears, select an account, specify the period and click on the “Save changes” button. The request will be saved in the “Created” status; you need to select it and click on the “Send document to the bank for processing” button. As soon as the status of the document changes to “Accepted by ABS” (the status change may take some time), the statement will appear in the “Statements for ruble accounts” section.

How can I view a statement for a period in Sberbank Business Online?

To do this, you need to go to the “Services” section → “Ruble transactions” → “Statement of ruble accounts”. On the button panel, you must click the “Ruble account statement for the period” button, select the current account, print form, period and click the “Print” button. A preview form for the statement for the period will open in a pop-up window.

How to download an extract from the Sberbank Business Online system into 1C?

To do this, go to the “Advanced” section → “Exchange with 1C” → “Export statements of ruble accounts”. You must move the current account to the “Selected” column, specify the required period and click the “Export” button. After this, you need to click on the link that appears and save the export file.

In addition, you can import payment orders in txt format, salary registers in xml format (when importing through the “Advanced” section), as well as a list of employees in csv and txt format (in the “Salary project” section).

How to create a payment order?

“Services” -> “RKO for ruble transactions” -> “Payment orders” -> Create. Your data will be filled in automatically, and the recipient's data can be obtained by selecting the counterparty from the list. After entering the amount, the document will be checked, and if everything is in order, then a one-time password will be sent to your phone, with which you will need to confirm the operation. You will also need to click the signature button and the “Send to bank” button. At this point, the payment order, unless you revoke it, is considered completed.

How to fill in inactive fields KBK, OKATO, etc. when creating a tax payment order in Sberbank Business Online?

In the upper right corner of the payment order, you must select “Status Indicator” in accordance with the type of payment being made, and the fields will become active.

How to activate the “Salary Project” service?

To connect to the “Salary Project” service, which was not initially specified in the contract, you must fill out an application marked “corrective” and tick “Electronic registers” in paragraph 3 “Connected services” and submit it to the bank branch at the place where the account is maintained.

Ural Bank of Sberbank of Russia

AS "Sberbank Business Online"

(brief user instructions)

Ekaterinburg, 2012

Login 4

1. For users working through one-time SMS messages 4

2. For users working through 6 tokens

3. Possible problems 7

When logging in, the message is: Incorrect username or password? 7

When logging in the message: Account locked? 7

When logging in the message: User's office is blocked? 7

When logging in, message: Token not available. 7

Payment order 8

Document statuses Payment order 9

Questions arising when working with payment orders 11

How to print an executed payment document with the Bank's mark? eleven

If the payment order has the ABS Refused status. How can I see the reason for the refusal? eleven

View account statement 13

Possible questions 15

How to view account movements during the day? 15

How to print a statement for a certain period? 16

How to print a statement with attached documents? 17

How can I view current information about my account balance? 17

Importing payment orders into Sberbank Business Online from 1C 18

Export of statements to 1C 19

Answers to frequently asked questions 20

Login

The AS Sberbank Business Online system provides two operating modes:

1. using the Infocrypt token;

2. using one-time SMS passwords.

3. For users working through one-time SMS messages

To login:

1.1 Go to the Sberbank website ***** ->Section for corporate clients -> Sberbank Business Online.

1.3 The system menu will open to enter your login and password (Fig. 2)

https://pandia.ru/text/78/234/images/image005_14.gif" width="634" height="275 id=">

https://pandia.ru/text/78/234/images/image008_7.jpg" width="25" height="22 src="> Infocrypt TLS)

· If it was not possible to launch the program in the manner described above, then you must configure the token in accordance with the instructions located on the Bank’s website at the following addresses:

a. For Windows XP OS

http://*****/common/img/uploaded/banks/uploaded_urb/files/sbbol_WinXP. doc

b. For Windows 7 OS http://*****/common/img/uploaded/banks/uploaded_urb/files/sbbol_Win7.doc

2.5 Select an account and enter the corresponding PIN code

Envelopes with PIN codes are issued at the Bank along with the token

DIV_ADBLOCK448">

When logging in the message: Account is locked.

The maximum number of login attempts has been exceeded (maximum number of attempts is six).

You must contact the bank branch with an application to unlock and issue a new password.

When logging in, the message: User's office is locked.

The organization has been withdrawn from service; you must contact the Bank division where the agreement for Sberbank Business Online was concluded.

When logging in, message: Token not available.

If this message appears, you must contact technical specialists. support (

Payment order

Creating a payment order

· Section Services – Cash settlement services for ruble transactions – Payment orders

· To generate a new document, the “Create” button

· After filling in all the required fields of the document (Fig. 6), click the “Save” button

· Sign the document in the “Created” status using the “Signature” button

· To sign a document, the system will ask you to enter a one-time password, which will be sent as an SMS message to your mobile phone (Fig. 8).

· The appearance of this message (Fig. 9) means that the document is ready to be sent to the Bank.

https://pandia.ru/text/78/234/images/image016_6.jpg" width="41" height="34">

After processing a document on the Bank’s side, the processing results are displayed in the form of document status and in the form of information about the execution or non-execution of the document. The presence of a document with the status “Executed” indicates its successful processing, and the presence of a status, for example, “ABS Refused,” on the contrary, indicates unsuccessful processing.

Document statuses Payment order

Initial statuses

Assigned at the stage of document generation.

· " Control error " – the document was generated, but when saving it did not pass the check of the correctness of filling in the fields and was saved with errors in it.

· A document with this status can be edited or deleted.

· " Created " – the document has been generated, has been checked for correctness of filling in the fields and saved.

· A document with this status can be changed, signed or deleted.

· " Imported " – the document was imported from an accounting program, checked for the correctness of filling in the fields and saved. For further processing, this status is completely equivalent to the “Created” status.

· A document with the status "Imported" can be changed, signed or deleted.

Signing statuses

Assigned at the stage of signing the document.

· "Partially signed " – the document is signed by part of the signatures included in the set of signatures provided for this document.

· "Signed " – the document is signed with the set of signatures provided for it and can be sent to the Bank.

Processing statuses

· " Sent " – the document has been sent to the Bank for processing, but has not yet been accepted by the Bank.

· " Delivered " – intermediate transport status, the document has been delivered to the bank.

A document with this status is automatically sent for bank checks or may be rejected by the Bank.

· " Accepted " – the document has successfully passed the system checks on the Bank’s side and was accepted by the Bank.

A document with this status is automatically sent for uploading to the Bank's system or may be rejected by the Bank.

· " Unloaded " – the document has been successfully uploaded to the Bank’s system.

A document with this status is automatically sent for inspection or may be rejected by the Bank. A document that has successfully passed the checks is sent for execution.

· “ABS failed” – the document was not automatically processed by the Bank.

The reason for the refusal can be viewed by opening the document and going to the “Information from the Bank” tab.

· “Fulfilled” – final status, meaning that the document has been processed by the Bank.

Revocation of a payment order

Revocation is possible only for documents of certain types that allow revocation, provided that their processing on the Bank’s side has not yet been fully completed, that is, the document is in one of the statuses: “Sent”, “Delivered” or “Accepted”

Revocation of payment orders is carried out using requests for revocation of ruble documents.

· To generate a review, select the required document and on the button bar click the “Recall Document” button https://pandia.ru/text/78/234/images/image018_4.jpg" width="591" height="449">

· After checking the document details and filling out the “Reason for revocation” field, save the request, button https://pandia.ru/text/78/234/images/image013_6.jpg" width="40 height=35" height="35"> ), enter the requested one-time SMS password and send it to the Bank for processing (button “Send document to Bank”).

· The status of the revocation request can be Rejected by the Bank (if the document cannot be recalled) or Processed (if the document is successfully withdrawn).

Questions that arise when working with payment orders

How to print an executed payment document with the Bank's mark?

After the payment document has been processed by the Bank, i.e. the status of the document is “Executed”, go to the section Services – Cash settlement services for ruble transactions – Payment orders, select the required document and on the button bar click the Preview button https://pandia .ru/text/78/234/images/image020_4.jpg" width="39" height="36">.

If the payment order has the ABS Refused status. How can I see the reason for the refusal?

Open the document by double-clicking and go to the “Information from the Bank” tab, where the reason for the refusal will be indicated (Fig. 11).

The most common reasons for failures:

· Invalid document key.

Make sure that the “electronic” option is selected in the Payment type field

· Basis of tax payment = "TP" - in the "Tax document number" field must be 0

· The recipient's TIN "" does not match the client's TIN in the client's file ""

It is necessary to clarify the details of the Payee

Current account statement

View your account statement

Section Services -> Cash management services for ruble transactions -> Information on cash flows on ruble accounts (Fig. 12)

To view the statement:

· Select the required document from the list

· Click the “Open Document” button on the toolbar

· The Account Movement Information window will open (Fig. 13)

· Read the contents of the document using the button, if necessary, print the document using the button https://pandia.ru/text/78/234/images/image028_1.jpg" width="614" height="385 src=">

· You can view or print each document by right-clicking on the corresponding document and selecting the desired menu item: for viewing – “Preview”, for printing with the Bank mark – “Print” (Fig. 15)

Possible questions

How to view account movements during the day?

If you need to track transactions on your current account during the day, you need to create a request for information:

Section Services -> Cash settlement services for ruble transactions -> Requests for information on cash flows on ruble accounts (Fig. 16).

To create a request:

· Click on the button bar “Create a new document” https://pandia.ru/text/78/234/images/image012_7.jpg" width="40" height="34 src=">

https://pandia.ru/text/78/234/images/image013_6.jpg" width="40" height="35">

· And send to the Bank, button “Send document to bank for processing”

· The final status of the certificate request is “Unloaded”.

This status means that the statement request has been uploaded to the Bank’s automated system for processing.

§ Processing of statement requests may take some time depending on the system load.

§ For the requested statement after processing the request, see section.

ATTENTION! In the same way, you can generate a statement for the entire period of maintaining a current account, but in one request the request period cannot exceed 15 days.

How to print a statement for a certain period?

· Section Services -> Cash management services for ruble transactions -> Information on cash flows on ruble accounts

· On the button panel, click the “Information on cash flow for the period” button https://pandia.ru/text/78/234/images/image032_3.jpg" width="564" height="285">

You can also choose the form to print: regular or extended

How to print a statement with attached documents?

· Section Services -> Cash management services for ruble transactions -> Information on cash flows on ruble accounts

· Select the required document

· On the button panel, click the arrow to the right of the Preview button https://pandia.ru/text/78/234/images/image033_4.jpg" width="274" height="90">

How can I view current information about my account balance?

On the home page:

· Select account number

· Click the “Get account balances” button to send a request to the Bank

· Then the “Update data in the table” button (Fig. 19)

Importing payment orders into Sberbank Business Online from 1C

· Section Additional ->Exchange with 1C ->Import ->Payment orders

· In the window, click on the “Upload file” button, specify the path to the file into which payment orders from the 1C accounting program were previously downloaded (Fig. 20, Fig. 21)

https://pandia.ru/text/78/234/images/image036_3.jpg" width="359" height="125 src=">

· Click the Import button

· The result of file processing will be reflected in the log. If processing is successful, payment documents can be viewed in the Services section – Cash settlement services for ruble transactions – Payment orders.

Export of statements to 1C

· Section Additional ->Exchange with 1C -> Export -> Information on cash flows in ruble accounts

· The period must be specified

· Select account number

· Click the “Export” button (Fig. 22)

https://pandia.ru/text/78/234/images/image038_3.jpg" width="459" height="94">

Answers to frequently asked questions

How to send a message to the Free Format Bank?

Section Services ->Letters ->Letters to the Bank

When generating a statement report, the window with the printed statement form does not open .

You need to check your pop-up blocker:

in Internet Explorer, to do this, go to the menu Tools - Pop-up blocker

in Mozilla Firefox – menu Tools – Options, tab Content

When filling out a payment order, when filling out the Amount field, a message appears: “Numerical value expected”

The amount must be indicated separated by a period or comma.

Fields for filling in tax details in a payment order are not active

It is necessary to fill in the "Status Indicator" field in the upper right corner of the payment order template

Payment order status: “refused by ABS”, reason: Invalid document key

It is necessary to check that the “electronic” option is selected in the Payment type field

How to view letters sent from the Bank?

Section Services ->Letters ->Letters from the Bank

How to send an attached document to the Bank?

· Section Services ->Letters ->Letters to the Bank

· Create a document (Fig. 24)

· Click the “Add” button https://pandia.ru/text/78/234/images/image012_7.jpg" width="40" height="34">

· Sign the document and send it to the Bank

In the account statement for the day, the turnover is “zero”, although there were transactions on the account

In such cases, it is necessary to make a request to receive information about cash flows on ruble accounts (see How to view account movements during the day?)

The lifetime of a one-time password is 1 hour. After this time, you must request the password again

To manage a credit institution, an effective automated banking system is needed. Its development is carried out by domestic and foreign specialists. The speed of information processing and notification of clients about the completion of transactions depends on the quality of the system’s functioning. It is she who displays messages like “ABS accepted” (Sberbank). You will learn what this means from this article.

Structure

ABS consists of a core and modules. Their number depends on the bank’s data processing needs. The main requirements for the system are reliable information protection, prompt data collection, and the ability to quickly make decisions.

The key element of the system is the cash management module. It contains all payments made and assigns them the status “Accepted by ABS”, “Rejected”, “Delivered”, etc. Based on this data, reports are then generated and submitted for verification to the Central Bank. For each individual operation, a module is purchased. All of them can be manufactured by different manufacturers, but must be subject to the same ABS.

Implementation

Some domestic banks operate on core banking systems of their own design. Only large organizations with a large staff of IT specialists and a substantial amount of such systems can afford this - 1.5-2 years. This solution has disadvantages. Firstly, the low quality of the studies, which do not allow tracking changes in conditions in the future. Secondly, in such ABS, accounting and management are practically not integrated into individual programs. Thirdly, the creation process can take a long time if several specialists work on the same project. On the other hand, such automated banking technologies are completely exclusive and prepared for one organization.

Many people believe that it is better to buy a ready-made software product and then adjust it to the features of the system. The developments of domestic specialists can be purchased for 15 thousand dollars, foreign ones - tens of times more expensive.

System "Bank-Client"

A striking example of the functioning of an ABS is the “Personal Account” of users on the website of a credit institution. All processes, from registering in the system to viewing history, are carried out in close cooperation with the ABS. Let's look at this process using the example of sending a payment order in the Sberbank-Online system.

Formation of the document

First, you need to create a payment order by entering all the recipient’s details. Automatic banking technologies are designed in such a way that each stage of document generation is assigned a unique status:

1. “Control error” - the generated document at the saving stage did not pass the check to ensure that all fields were filled out.

2. “Imported” - the payment order was transferred from the accounting program.

3. “Created” - the document has been successfully generated in “Client-Bank”.

It is necessary to select Additional buttons are activated in the top column of the menu. Among them you need to select “Signature”. If several payment orders were generated at once, then before making them it is worth clarifying the details. Preliminary verification of documents saves users from further errors. It is very difficult to cancel a payment after it has been sent for execution. And if the operation goes through, the money is returned to the account within three days.

Submission for processing

After creation, the document must be assigned an electronic signature of all authorized persons. At this stage, you must enter the password specified in the SMS. The Bank-Client system assigns the status “Signed” to the payment. Now the payment order can be sent to the bank. For this purpose, there is a special button on Next, the application is assigned the intermediate status “Added”. This means that documents are being verified. After its completion, the payment is considered accepted and sent for processing. The application can be canceled until the document is assigned the status “Accepted by ABS” (Sberbank). What does it mean? The documents will be removed from the queue for posting. Money is not debited from the account. After the calculations are completed, the document is assigned the status “Executed”.

Additional statuses

Documents may also be at the following stages of processing:

Final statuses

• “Removed from active documents.”
• “The TSA is incorrect” - the document is not signed by the bank.
• "Details error."
• “Executed” - funds are transferred to the recipient’s account.

New version of the mobile application

You can track the status of payment orders in detail only through the “Personal Account” on the website or through “Client-Bank”. Using the mobile application, you can create and view the history of completed orders. This service provides other interesting opportunities for individuals.

In March 2015, a new version of Sberbank Online was launched for Android owners. Among the main innovations, it is worth noting the built-in antivirus, which scans not only the application, but also the smartphone itself. If threats are detected, the program will not start. Through the application, you can carry out all the required operations, ranging from services and replenishing a mobile phone, ending with the transfer of funds to another account in the Russian Federation. This is a real “bank in the palm of your hand”.

The application still launches after entering a unique five-digit code. The improved interface allows you to pay taxes and fees in one click. Through the program you can find out about the presence of fines in the traffic police. You only need to enter your driver's license number. If there are any, then you can pay them off directly through your smartphone.

Another important innovation. The program automatically analyzes the version of the operating system on the smartphone. If the official firmware is installed, the application will be regularly updated, constantly expanding the range of tools used. But if a modified OS is installed on the gadget or the user has root access, then the service will work in a lightweight mode, without updates or modifications.

Conclusion

A payment that passes through Sberbank is assigned a certain status at each stage of its existence. By its name you can determine at what stage the funds transfer process is and whether there are any errors. A payment order must be created, then signed and sent for processing. After successful completion of these processes, the document is sent for execution. This is what “ABS accepted” means.